Defense Against a Credit Card Lawsuit in Tyler, TX
Are You Being Sued for a Credit Card Debt in Smith County & Surrounding Areas?
For various reasons, you may have gotten behind on your credit card payments and now you have a debt collector or credit card company threatening to sue to recover their money. They may have even filed and served a lawsuit on you.
At Campbell Law Firm, PC, we understand that life happens and sometimes circumstances do not allow you to keep up with your payments. Our credit card debt relief firm in Tyler, TX can come to your aid whether you are being called by collection agencies, being threatened with a lawsuit, or even if the suit has been filed and you have been served.
Schedule an appointment to discuss your financial situation with a compassionate credit card debt lawyer. Call our offices today at (903) 345-0031 for help in Tyler, Mineola, or Smith County!
What Happens When a Credit Card Company Sues You?
Your credit card company or debt collector may first claim that they have grounds to pursue a lawsuit due to the terms of your credit card contract. They may also sell or assign your debt to a collection agency or other third party who will repeatedly pester you for payments. The credit card company or a third party may even file a suit against you.
Typically, a lawyer representing the credit card company or the debt collector will send one final demand letter before the suit is filed, it is usually there that you have one last chance to resolve the debt before the suit is filed.
Let Us Defend You in Your Credit Card Lawsuit
Below are a few defense strategy options we can use in regards to your pending lawsuit or collection.
- Statute of Limitations on Credit Card Debt - In Texas, a creditor typically only has four years from the date of your last payment to file a suit against you. If the debt is older than this, it is too old to be enforced.
- Fair Debt Collection Practices Act - If your creditors or debt collection agencies have committed actions that fall under FDCPA violations, you can use those in defense of your debt and even be awarded damages.
- Delivery of Summons and Complaint - If the way in which the creditor served you the summons was incorrect under Texas State law, you must include this in your response to the suit.
- Lack of Standing - Due to the fact that debt often gets sold to debt purchasers from credit card companies, the debt may change hands a number of times. The party that sues you must show standing to be able to sue you.
For the comprehensive legal help you need when facing a lawsuit related to your credit card debt, call Campbell Law Firm, PC. With over 30 years of legal experience and a track history of success, we can work with you to create a solid case.
Do not feel powerless if you are facing a financial lawsuit. Get in touch with our law offices in Tyler, Mineola, and Smith County today.